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Multiple Credit Checks
Hi all, My post is regarding a few things. I have recently being looking into money supermarket and the credit club and decided to apply for a first direct current account before the time limit ran out for the £125 cashback. At the same time I applied for a barclays balance transfer card and a Sainsburys purchasing card.…
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Vanquis messing up mainstream lending?
Hi, Sorry if this is in the wrong place.. I went BR in 2012 - obviously been discharged since 2013 and it dropped off my file on 2nd of May when my rating went back to the top for the respective agencies. I've been with Vanquis since Jan 2014 and have gone from £200 to £3000 limit - held a balance for 2 years - was £0 for…
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Ccj Help - Case Number but no Details
Hi all. Please help. I am at a loss, just used clear score to check my rating to find I have a CCJ! It is from a previous address dated Feb 2016, I having been at that address since 2015. But there is no information on who I owe this money too? I have a case number but that us all. Any suggestions? I'm completely in the…
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Ccj queryo
Hi all, Currently trying to sort issues with an energy supplier but they’re being difficult and particularly slow. Overview; I’ve recently found out about a CCJ that was awarded against me a few years ago The energy company have no record of it The solicitor company aren’t helping as they no longer work for the energy…
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Grounds for asking them to write off?
Hi all, Getting on top of money etc after spending years with my head in the sand. Finally looked at my credit file and noticed I have 3 defaults from when I was out of work, currently both untouched and unpaid since 2015 time, with no contact from either since (I had no idea about them!); one is NewDay for an Aqua credit…
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Default recorded wrong by EE?
Hi all, I was wondering if anyone can give any insight about an issue my husband is having with a default on his credit rating. It's a debt with EE that has been paid off since 2014. When we spoke to our mortgage advisor, he said he felt it was incorrectly listed which is why it's had such a profound effect on his credit…
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Credit Score
I have read on this site that lenders cannot see anyone's credit score. However, the following is on the Noddle website What information will a lender see about me? Your credit score Your credit score is a representation of your creditworthiness at any given moment. Each credit reference agency (CRA) has its own score…
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Default that Doesn't Exist
I have two defaults on my credit report, one for TSB and the other for RBS. I contacted them both in November last year to arrange repayments (because I was in a better position financially). TSB advised me that in September this year the account would be six years defaulted and would be removed from my credit report, and…
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Water company logging old debt as a default every month.
Between 1013 and 2014 I had an account with this water company in a shared house. When I moved out but forgot to chance it. The water company have a debt of nearly £500 on the account, the account was closed in December of 2015, I believe this was because a new tenant opened an account at the address. I’ve just checked my…
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Old Defaults
Evening all, I need a little help please. I have scoured the forum so as not to repeat the question but can not find the answer, found a couple of similar ones. Anyway it goes like this, around 8 years ago I had a messy divorce, defaulted on 2 credit cards and 1 catalogue. I agreed a token payment of £1, £1 and 1 for £5. 1…
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Next declined credit, but processed order...
Hi guys! So today I placed an order with Next (I’ve done so before always paying in full) but they offered me £10 off if I opened a credit account with them. Decided I would do this as £10 saving is better in my pocket. I agreed and recieved an order confirmation, the order is showing in my account and has been processed…
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Old record has a new amount added
Good afternoon all, I am currently trying to clear out old debts and get myself back on track and came across the below which confused me. Why would a zero balance default suddenly have a new amount added? In the case the debt was defaulted and shows account settled on 30/10/2013 but in January and February 2015 a balance…
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Help with BWLegal and old credit debt
Hi, long story here. Had some personal debt due to losing income when credit crunch hit. Had a couple of defaults as a result. 5 years ago BW Legal threatened legal action and as I had just got out of hospital after a serious illness I tried to co-operate and organise something. They ignored several emails I sent and…
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Old overdraft debt
I had an account with a bank in 2006 which had an overdraft which I could not pay. I am in Scotland and after all these years as I out of country I have returned and my credit score is "good" with Exp erian but now i wanted to open an new bank account unfortunately my husband banks with same bank I had debt with he would…
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Ccj
Hi everyone I know you much have head this a million time. But need some advice on this probably don't have a leg to Stand on because it was down to me not doing my due diligence. In 2014 not knowing anything about business went into a partnership with a then friend of mine. We both was kind of new to business so didn't…
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Can't get Experian account - do I exist?
I was recently turned down for a Barclaycard account and also (not turned down but kicked into the long grass) with Metro Bank. I have requested Experian, Equifax and CallCredit accounts, and was given the last, but the other two seem to have trouble verifying me. It's odd, as I have quite a few financial accounts…
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Halifax Mortgage - Late Payment
Long story short Halifax have whacked a late payment mark on my otherwise impeccable credit file :( . My score has dropped 110 overnight. The payment was due 27th March - they say it wasn’t taken as I cancelled the Direct Debit The property was sold and the mortgage therefore settled in full on 3rd April. Taking the bank…
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can old debts be removed even if they are being paid
I have some debts from 20 years ago that I am still paying, recently I tried to claim back PPI on one of the accounts but no one has any records of the account but I am still paying the debt back to a debt collection agency, if no records exist do I still have to carry on paying the debt? Thanks
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will a CCJ be removed when default is 6 years old?
i have a default on my credit account which is almost 6 years old I understnad this will be removed around the 6 year marker give or take a few weeks depending on where I am checking my score but will a CCJ be removed at the same time or will that stay a further on further from when it was issued?
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Credit Score Fluctuation
My credit score, obtained via Clearscore, has dropped from 509 in March to 467 in April and then again to 457 in May. I can see no negative factors on my report. I have not obtained nor applied for any additional credit. My total outstanding credit is less than £1000 and I've never missed a payment. How can I find out why…
